Many providers define the quality of their critical illness policies by the number of illnesses they cover.
This results in these providers adding illnesses that pose very little risk to you.
At Guardian, we know you need cover for a wide range of illnesses. But we also know the most important thing is the quality of that cover.
So we’re obsessed with providing the best possible cover for the most common illnesses. However, our focus on quality isn’t at the cost of quantity.
Most providers don't pay out on all malignant skin cancers.
A Guardian policy pays out on all malignant cancers - no ifs, no buts.
Providers request detailed medical reports and evidence so they can assess whether a heart attack diagnosis is serious enough to meet their own criteria for payment.
At Guardian, the word of a UK Consultant is all we need. If they say you’ve had a heart attack, we pay out. Well, they’re the experts after all.
The provider will want to see evidence in the form of a scan so they can assess the severity of the stroke.
With a Guardian policy, if symptoms have lasted for more than 24 hours and a UK Consultant Neurologist says it's a stroke, we pay out.
Providers want to see evidence that you're suffering symptoms of multiple sclerosis at the time the claim is assessed.
That's a little unfair when you consider multiple sclerosis symptoms can come and go - especially in the early stages.
At Guardian, we pay out if a UK Consultant Neurologist says there 'has been' an impairment due to multiple sclerosis - even if the symptoms are not apparent when you make the claim.
Terminal illness cover only pays out if, in a doctor’s opinion, you have less than 12 months to live.
However, it can be hard for doctors to predict the survival time of patients with certain terminal illnesses, even in their late stages.
At Guardian, we not only pay out if your life expectancy is less than 12 months.
But, uniquely, we also guarantee to pay out if you're diagnosed with incurable stage 4 cancer, motor neurone disease, Creutzfeldt-Jakob disease or Parkinson-plus syndromes even if you're expected to survive more than 12 months.